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  EX-34.1
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KPMG LLP
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San Francisco, CA 94105

Report of Independent Registered Public Accounting Firm

The Board of Directors
First Republic Bank:


We have examined management's assessment, included in the accompanying
Management Assessment, that First Republic Bank (the Bank) complied with the
servicing criteria set forth in Item 1122(d) of the Securities and Exchange
Commission's Regulation AB for residential mortgage loans serviced for others
(the Platform), except for the servicing criteria 1122(d)(1)(iii),
1122(d)(3)(i)(C), and 1122(d)(4)(xv), which the Bank has determined are not
applicable to the activities it performs with respect to the Platform, as of
and for the year ended December 31, 2012. Appendix A to the Management
Assessment identifies the individual asset-backed transactions and securities
defined by management as constituting the Platform. Management is responsible
for the Bank's compliance with the servicing criteria. Our responsibility is to
express an opinion on management's assessment about the Bank's compliance based
on our examination.

Our examination was conducted in accordance with the standards of the Public
Company Accounting Oversight Board (United States) and, accordingly, included
examining, on a test basis, evidence about the Bank's compliance with the
servicing criteria specified above and performing such other procedures as we
considered necessary in the circumstances. Our examination included testing
selected asset-backed transactions and securities that comprise the Platform,
testing selected servicing activities related to the Platform, and determining
whether the Bank processed those selected transactions and performed those
selected activities in compliance with the servicing criteria. Furthermore, our
procedures were limited to the selected transactions and servicing activities
performed by the Bank during the period covered by this report. Our procedures
were not designed to determine whether errors may have occurred either prior to
or subsequent to our tests that may have affected the balances or amounts
calculated or reported by the Bank during the period covered by this report for
the selected transactions or any other transactions. We believe that our
examination provides a reasonable basis for our opinion. Our examination does
not provide a legal determination on the Bank's compliance with the servicing
criteria.

As described in the accompanying Management's Assessment, for servicing criteria
1122(d)(4)(iv), 1122(d)(4)(xi), and 1122(d)(4)(xii), the Bank has engaged
certain vendors to perform the activities required by these servicing criteria.
The Bank has determined that none of these vendors are deemed to be "servicers"
as defined in Item 1101(j) of Regulation AB, and the Bank has elected to take
responsibility for assessing compliance with the servicing criteria applicable
to these vendors as permitted by Interpretation 17.06 of the SEC Division of
Corporation Finance Manual of Publicly Available Telephone Interpretations
(Interpretation 17.06). As permitted by Interpretation 17.06, the Bank has
asserted that it has policies and procedures in place designed to provide
reasonable assurance that the vendors' activities comply in all material
respects with the servicing criteria applicable to each vendor. The Bank is
solely responsible for determining that it meets the SEC requirements to apply
Interpretation 17.06 for the vendors and related criteria as described in its
assertion, and we performed no procedures with respect to the Bank's
eligibility to apply Interpretation 17.06.

In our opinion, management's assessment that the Bank complied with the
aforementioned servicing criteria, including 1122(d)(4)(iv), 1122(d)(4)(xi),
and 1122(d)(4)(xii) for which compliance is determined

KPMG LLP is a Delaware limited liability partnership,
the U.S. member firm of KPMG International Cooperative
("KPMG International"), a Swiss entity.


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based on Interpretation 17.06 as described above, as of and for the year ended
December 31, 2012 is fairly stated, in all material respects.


/s/ KPMG LLP

San Francisco, California
February 26, 2013